SCHV vs VTI
Schwab US Large-Cap Value ETF vs Vanguard Morningstar Total Stock Market ETF
Quick Verdict
VTI has a lower expense ratio. SCHV delivered stronger 1-year returns. VTI offers more diversification with 3,543 holdings.
Side-by-Side Comparison
| Metric | SCHV | VTI | Winner |
|---|---|---|---|
| Expense Ratio | 0.04% | 0.03% | |
| AUM | $15.7B | $666.9B | |
| Dividend Yield | 1.79% | 1.07% | |
| Holdings | 560 | 3,543 | |
| YTD Return | +16.48% | +13.12% | |
| 1Y Return | +22.87% | +21.07% | |
| 3Y Return (annualized) | +17.71% | +20.54% | |
| 5Y Return (annualized) | +10.41% | +11.71% | |
| Volatility (annualized) | 14.1% | 15.3% | |
| Max Drawdown | -37.1% | -56.6% | |
| Fund Family | Charles Schwab Asset Management | Vanguard (US) | |
| Category | Equity | Equity | |
| Inception | Dec 11, 2009 | May 24, 2001 |
SCHV vs VTI Performance
Schwab US Large-Cap Value ETF (SCHV) is a ETF from Charles Schwab Asset Management and Vanguard Morningstar Total Stock Market ETF (VTI) is a ETF from Vanguard (US). Over the past year SCHV returned +22.87% while VTI returned +21.07%. Year to date, SCHV is up 16.48% versus a gain of 13.12% for VTI.
Over three years, SCHV compounded at +17.71% per year against +20.54% for VTI; over five years the annualized figures are +10.41% and +11.71% respectively. Across the full 17-year window we track, SCHV has the edge at +9.59% annualized vs +8.08%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
VTI has been the more volatile fund, with annualized monthly volatility of 15.3% compared with 14.1% for SCHV. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -37.1% for SCHV and -56.6% for VTI. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.94. They move almost in lockstep, so holding both mostly duplicates the same exposure.
Fees and Cost Over Time
SCHV charges 0.04% per year while VTI charges 0.03%. On a $10,000 position that is $4 vs $3 annually, a gap of $1 per year that compounds over a long holding period. On income, SCHV currently yields 1.79% against 1.07% for VTI.
Holdings Overlap
SCHV and VTI share 470 holdings out of 2874 unique holdings combined, representing a 41.6% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, SCHV or VTI?
SCHV has an expense ratio of 0.04% while VTI charges 0.03%. VTI is the cheaper option. On a $10,000 investment, that is $1 per year of difference.
Which performed better, SCHV or VTI?
Over the past year SCHV returned +22.87% vs +21.07% for VTI, so SCHV leads on 1-year performance. Over the longest common window we track (17 years), SCHV annualized +9.59% vs +8.08% for VTI. Past performance does not guarantee future results.
Which is riskier, SCHV or VTI?
VTI has been the more volatile fund at 15.3% annualized versus 14.1% for SCHV. Worst drawdown: SCHV -37.1% vs VTI -56.6%.
Should I hold both SCHV and VTI?
SCHV and VTI have a monthly-return correlation of 0.94, so they move almost identically. Holding both adds little diversification - most investors pick one, usually on fees or the specific index tracked.
What is the holdings overlap between SCHV and VTI?
SCHV and VTI share 470 common holdings with a 41.6% weight overlap. Combined, they hold 2874 unique securities.
Which pays a higher dividend, SCHV or VTI?
SCHV yields 1.79% while VTI yields 1.07%, so SCHV currently pays the higher dividend yield.
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